Home > Valley Ridge Bank > Income and Expense
Valley Ridge Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,880,000 | 2,823 |
| Total interest expense | $3,669,000 | 3,003 |
| Net interest income | $6,211,000 | 2,711 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $2,165,000 | 1,697 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,171,000 | 1,142 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $994,000 | 1,832 |
| Total noninterest expense | $5,876,000 | 2,244 |
| Salaries and employee benefits | $3,208,000 | 2,294 |
| Premises and equipment expense | $725,000 | 2,557 |
| Additional noninterest expense | $1,943,000 | 2,017 |
| Pre-tax net operating income | $2,365,000 | 2,780 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $637,000 | 2,502 |
| Income before extraordinary items | $1,726,000 | 2,887 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,726,000 | 2,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,313 |
| Cash dividends | $735,000 | 2,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,727,460 | 2,875 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,500,000 | 2,823 |
| Total interest expense | $2,395,000 | 2,925 |
| Net interest income | $4,105,000 | 2,733 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $1,410,000 | 1,723 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $759,000 | 1,165 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $651,000 | 1,861 |
| Total noninterest expense | $3,954,000 | 2,233 |
| Salaries and employee benefits | $2,139,000 | 2,290 |
| Premises and equipment expense | $494,000 | 2,495 |
| Additional noninterest expense | $1,321,000 | 1,983 |
| Pre-tax net operating income | $1,471,000 | 2,911 |
| Securities gains (losses) | $-2,000 | 7,528 |
| Applicable income taxes | $387,000 | 2,668 |
| Income before extraordinary items | $1,082,000 | 3,025 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,082,000 | 3,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,763 |
| Cash dividends | $420,000 | 2,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,083,480 | 3,013 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,218,000 | 2,792 |
| Total interest expense | $1,163,000 | 2,873 |
| Net interest income | $2,055,000 | 2,722 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $690,000 | 1,715 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $364,000 | 1,190 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $326,000 | 1,820 |
| Total noninterest expense | $1,999,000 | 2,221 |
| Salaries and employee benefits | $1,073,000 | 2,298 |
| Premises and equipment expense | $250,000 | 2,467 |
| Additional noninterest expense | $676,000 | 1,931 |
| Pre-tax net operating income | $701,000 | 2,967 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $179,000 | 2,763 |
| Income before extraordinary items | $520,000 | 3,070 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $520,000 | 3,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,205 |
| Cash dividends | $210,000 | 2,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $521,480 | 3,045 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,581,000 | 2,787 |
| Total interest expense | $3,890,000 | 2,713 |
| Net interest income | $7,691,000 | 2,800 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $2,958,000 | 1,627 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,611,000 | 1,104 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,347,000 | 1,804 |
| Total noninterest expense | $7,599,000 | 2,196 |
| Salaries and employee benefits | $4,022,000 | 2,279 |
| Premises and equipment expense | $1,041,000 | 2,283 |
| Additional noninterest expense | $2,536,000 | 1,991 |
| Pre-tax net operating income | $2,930,000 | 2,817 |
| Securities gains (losses) | $-8,000 | 7,452 |
| Applicable income taxes | $704,000 | 2,803 |
| Income before extraordinary items | $2,218,000 | 2,826 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,218,000 | 2,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,303 |
| Cash dividends | $840,000 | 2,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,224,080 | 2,784 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,486,000 | 2,787 |
| Total interest expense | $2,799,000 | 2,682 |
| Net interest income | $5,687,000 | 2,808 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $2,121,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,191,000 | 1,107 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $930,000 | 1,915 |
| Total noninterest expense | $5,757,000 | 2,151 |
| Salaries and employee benefits | $3,039,000 | 2,244 |
| Premises and equipment expense | $806,000 | 2,217 |
| Additional noninterest expense | $1,912,000 | 1,947 |
| Pre-tax net operating income | $1,961,000 | 3,101 |
| Securities gains (losses) | $-9,000 | 7,876 |
| Applicable income taxes | $495,000 | 2,966 |
| Income before extraordinary items | $1,457,000 | 3,205 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,457,000 | 3,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,519 |
| Cash dividends | $630,000 | 2,453 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,463,750 | 3,153 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,543,000 | 2,777 |
| Total interest expense | $1,782,000 | 2,647 |
| Net interest income | $3,761,000 | 2,798 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $1,367,000 | 1,727 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $749,000 | 1,146 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $618,000 | 1,890 |
| Total noninterest expense | $3,853,000 | 2,125 |
| Salaries and employee benefits | $2,031,000 | 2,229 |
| Premises and equipment expense | $550,000 | 2,155 |
| Additional noninterest expense | $1,272,000 | 1,929 |
| Pre-tax net operating income | $1,215,000 | 3,211 |
| Securities gains (losses) | $-5,000 | 7,925 |
| Applicable income taxes | $304,000 | 3,086 |
| Income before extraordinary items | $906,000 | 3,337 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $906,000 | 3,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,796 |
| Cash dividends | $420,000 | 2,456 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $909,750 | 3,282 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,707,000 | 2,803 |
| Total interest expense | $857,000 | 2,638 |
| Net interest income | $1,850,000 | 2,848 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $610,000 | 1,854 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $325,000 | 1,260 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $285,000 | 1,950 |
| Total noninterest expense | $1,892,000 | 2,185 |
| Salaries and employee benefits | $1,020,000 | 2,231 |
| Premises and equipment expense | $269,000 | 2,209 |
| Additional noninterest expense | $603,000 | 2,031 |
| Pre-tax net operating income | $538,000 | 3,488 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $131,000 | 3,336 |
| Income before extraordinary items | $407,000 | 3,579 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $407,000 | 3,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 1,912 |
| Cash dividends | $210,000 | 2,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $407,000 | 3,543 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,679,000 | 2,653 |
| Total interest expense | $3,425,000 | 2,351 |
| Net interest income | $7,254,000 | 2,792 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $2,867,000 | 1,668 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,477,000 | 1,209 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,390,000 | 1,727 |
| Total noninterest expense | $7,497,000 | 2,123 |
| Salaries and employee benefits | $3,996,000 | 2,170 |
| Premises and equipment expense | $1,066,000 | 2,146 |
| Additional noninterest expense | $2,435,000 | 2,013 |
| Pre-tax net operating income | $2,624,000 | 2,876 |
| Securities gains (losses) | $75,000 | 1,443 |
| Applicable income taxes | $630,000 | 2,944 |
| Income before extraordinary items | $2,069,000 | 2,824 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,069,000 | 2,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,767 |
| Cash dividends | $840,000 | 2,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,011,250 | 2,847 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,936,000 | 2,658 |
| Total interest expense | $2,570,000 | 2,293 |
| Net interest income | $5,366,000 | 2,802 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,121,000 | 1,700 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,113,000 | 1,207 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,008,000 | 1,759 |
| Total noninterest expense | $5,758,000 | 2,078 |
| Salaries and employee benefits | $3,105,000 | 2,105 |
| Premises and equipment expense | $797,000 | 2,147 |
| Additional noninterest expense | $1,856,000 | 1,939 |
| Pre-tax net operating income | $1,729,000 | 3,245 |
| Securities gains (losses) | $73,000 | 1,392 |
| Applicable income taxes | $409,000 | 3,260 |
| Income before extraordinary items | $1,393,000 | 3,155 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,393,000 | 3,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,640 |
| Cash dividends | $630,000 | 2,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,336,790 | 3,184 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,217,000 | 2,685 |
| Total interest expense | $1,716,000 | 2,275 |
| Net interest income | $3,501,000 | 2,849 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,417,000 | 1,684 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $715,000 | 1,239 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $702,000 | 1,711 |
| Total noninterest expense | $3,839,000 | 2,075 |
| Salaries and employee benefits | $2,067,000 | 2,114 |
| Premises and equipment expense | $544,000 | 2,102 |
| Additional noninterest expense | $1,228,000 | 1,942 |
| Pre-tax net operating income | $1,079,000 | 3,356 |
| Securities gains (losses) | $53,000 | 1,421 |
| Applicable income taxes | $249,000 | 3,399 |
| Income before extraordinary items | $883,000 | 3,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $883,000 | 3,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $420,000 | 2,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $841,660 | 3,294 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,613,000 | 2,674 |
| Total interest expense | $867,000 | 2,276 |
| Net interest income | $1,746,000 | 2,853 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $691,000 | 1,682 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $344,000 | 1,249 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $347,000 | 1,697 |
| Total noninterest expense | $1,934,000 | 2,073 |
| Salaries and employee benefits | $1,044,000 | 2,111 |
| Premises and equipment expense | $270,000 | 2,144 |
| Additional noninterest expense | $620,000 | 1,909 |
| Pre-tax net operating income | $503,000 | 3,509 |
| Securities gains (losses) | $31,000 | 1,473 |
| Applicable income taxes | $110,000 | 3,630 |
| Income before extraordinary items | $424,000 | 3,350 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $424,000 | 3,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $210,000 | 2,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $399,510 | 3,409 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,051,000 | 2,571 |
| Total interest expense | $3,773,000 | 2,350 |
| Net interest income | $7,278,000 | 2,658 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $3,610,000 | 1,453 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,436,000 | 1,211 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,174,000 | 1,383 |
| Total noninterest expense | $7,841,000 | 2,015 |
| Salaries and employee benefits | $4,010,000 | 2,121 |
| Premises and equipment expense | $1,161,000 | 1,964 |
| Additional noninterest expense | $2,670,000 | 1,808 |
| Pre-tax net operating income | $2,867,000 | 2,604 |
| Securities gains (losses) | $65,000 | 2,278 |
| Applicable income taxes | $747,000 | 2,664 |
| Income before extraordinary items | $2,185,000 | 2,680 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,185,000 | 2,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,775 |
| Cash dividends | $2,310,000 | 1,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,136,250 | 2,594 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,416,000 | 2,582 |
| Total interest expense | $2,876,000 | 2,391 |
| Net interest income | $5,540,000 | 2,629 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $2,742,000 | 1,478 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,076,000 | 1,216 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,666,000 | 1,421 |
| Total noninterest expense | $5,959,000 | 1,999 |
| Salaries and employee benefits | $3,034,000 | 2,109 |
| Premises and equipment expense | $879,000 | 1,948 |
| Additional noninterest expense | $2,046,000 | 1,767 |
| Pre-tax net operating income | $2,188,000 | 2,659 |
| Securities gains (losses) | $47,000 | 2,363 |
| Applicable income taxes | $577,000 | 2,749 |
| Income before extraordinary items | $1,658,000 | 2,742 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,658,000 | 2,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,436 |
| Cash dividends | $630,000 | 2,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,623,220 | 2,649 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,696,000 | 2,556 |
| Total interest expense | $1,934,000 | 2,449 |
| Net interest income | $3,762,000 | 2,576 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $1,823,000 | 1,470 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $688,000 | 1,254 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,135,000 | 1,387 |
| Total noninterest expense | $4,005,000 | 1,971 |
| Salaries and employee benefits | $2,060,000 | 2,060 |
| Premises and equipment expense | $597,000 | 1,914 |
| Additional noninterest expense | $1,348,000 | 1,785 |
| Pre-tax net operating income | $1,490,000 | 2,612 |
| Securities gains (losses) | $35,000 | 2,261 |
| Applicable income taxes | $403,000 | 2,673 |
| Income before extraordinary items | $1,122,000 | 2,721 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,122,000 | 2,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 9,062 |
| Cash dividends | $420,000 | 2,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,096,100 | 2,618 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,868,000 | 2,550 |
| Total interest expense | $971,000 | 2,498 |
| Net interest income | $1,897,000 | 2,563 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $838,000 | 1,526 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $333,000 | 1,258 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $505,000 | 1,476 |
| Total noninterest expense | $1,955,000 | 2,008 |
| Salaries and employee benefits | $1,015,000 | 2,078 |
| Premises and equipment expense | $288,000 | 1,974 |
| Additional noninterest expense | $652,000 | 1,803 |
| Pre-tax net operating income | $735,000 | 2,643 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $191,000 | 2,777 |
| Income before extraordinary items | $551,000 | 2,735 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $551,000 | 2,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-107,000 | 9,216 |
| Cash dividends | $210,000 | 2,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $545,820 | 2,618 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,817,000 | 2,593 |
| Total interest expense | $3,971,000 | 2,769 |
| Net interest income | $7,846,000 | 2,444 |
| Provision for loan and lease losses | $335,000 | 3,217 |
| Total noninterest income | $2,705,000 | 1,684 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,285,000 | 1,259 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,420,000 | 1,717 |
| Total noninterest expense | $7,449,000 | 2,018 |
| Salaries and employee benefits | $3,687,000 | 2,168 |
| Premises and equipment expense | $1,168,000 | 1,896 |
| Additional noninterest expense | $2,594,000 | 1,797 |
| Pre-tax net operating income | $2,767,000 | 2,664 |
| Securities gains (losses) | $113,000 | 1,621 |
| Applicable income taxes | $753,000 | 2,701 |
| Income before extraordinary items | $2,127,000 | 2,674 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,127,000 | 2,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 9,172 |
| Cash dividends | $787,000 | 2,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,043,380 | 2,661 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,566,000 | 2,710 |
| Total interest expense | $5,194,000 | 3,055 |
| Net interest income | $7,372,000 | 2,429 |
| Provision for loan and lease losses | $680,000 | 1,716 |
| Total noninterest income | $1,871,000 | 2,121 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $914,000 | 1,649 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $957,000 | 2,104 |
| Total noninterest expense | $6,667,000 | 2,154 |
| Salaries and employee benefits | $3,356,000 | 2,232 |
| Premises and equipment expense | $1,016,000 | 2,101 |
| Additional noninterest expense | $2,295,000 | 1,958 |
| Pre-tax net operating income | $1,896,000 | 3,302 |
| Securities gains (losses) | $396,000 | 723 |
| Applicable income taxes | $520,000 | 3,261 |
| Income before extraordinary items | $1,772,000 | 2,835 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,772,000 | 2,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,066,000 | 897 |
| Cash dividends | $682,000 | 2,923 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,467,080 | 3,173 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,836,000 | 2,710 |
| Total interest expense | $5,764,000 | 2,894 |
| Net interest income | $7,072,000 | 2,519 |
| Provision for loan and lease losses | $190,000 | 3,859 |
| Total noninterest income | $1,484,000 | 2,365 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $816,000 | 1,702 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $668,000 | 2,455 |
| Total noninterest expense | $6,090,000 | 2,251 |
| Salaries and employee benefits | $3,098,000 | 2,305 |
| Premises and equipment expense | $943,000 | 2,191 |
| Additional noninterest expense | $2,049,000 | 2,105 |
| Pre-tax net operating income | $2,276,000 | 3,010 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $419,000 | 3,889 |
| Income before extraordinary items | $1,862,000 | 2,727 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,862,000 | 2,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,523 |
| Cash dividends | $629,000 | 3,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,857,900 | 2,733 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,688,000 | 2,772 |
| Total interest expense | $4,665,000 | 3,120 |
| Net interest income | $7,023,000 | 2,507 |
| Provision for loan and lease losses | $400,000 | 2,102 |
| Total noninterest income | $1,511,000 | 2,290 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $757,000 | 1,756 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $754,000 | 2,252 |
| Total noninterest expense | $5,870,000 | 2,321 |
| Salaries and employee benefits | $2,997,000 | 2,344 |
| Premises and equipment expense | $838,000 | 2,414 |
| Additional noninterest expense | $2,035,000 | 2,146 |
| Pre-tax net operating income | $2,264,000 | 3,025 |
| Securities gains (losses) | $-16,000 | 9,482 |
| Applicable income taxes | $419,000 | 4,042 |
| Income before extraordinary items | $1,829,000 | 2,771 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,829,000 | 2,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,647 |
| Cash dividends | $735,000 | 2,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,841,960 | 2,731 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,762,000 | 3,005 |
| Total interest expense | $4,377,000 | 3,395 |
| Net interest income | $6,385,000 | 2,683 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $1,112,000 | 2,855 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $660,000 | 1,931 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $452,000 | 3,173 |
| Total noninterest expense | $5,266,000 | 2,469 |
| Salaries and employee benefits | $2,793,000 | 2,417 |
| Premises and equipment expense | $691,000 | 2,797 |
| Additional noninterest expense | $1,782,000 | 2,344 |
| Pre-tax net operating income | $1,931,000 | 3,431 |
| Securities gains (losses) | $182,000 | 965 |
| Applicable income taxes | $404,000 | 4,388 |
| Income before extraordinary items | $1,709,000 | 2,914 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,709,000 | 2,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,700 |
| Cash dividends | $709,000 | 2,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,561,580 | 3,065 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,937,000 | 3,258 |
| Total interest expense | $4,016,000 | 3,662 |
| Net interest income | $5,921,000 | 2,942 |
| Provision for loan and lease losses | $190,000 | 3,550 |
| Total noninterest income | $1,053,000 | 2,930 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $633,000 | 2,075 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $420,000 | 3,190 |
| Total noninterest expense | $4,850,000 | 2,647 |
| Salaries and employee benefits | $2,464,000 | 2,687 |
| Premises and equipment expense | $549,000 | 3,419 |
| Additional noninterest expense | $1,837,000 | 2,265 |
| Pre-tax net operating income | $1,934,000 | 3,659 |
| Securities gains (losses) | $32,000 | 1,598 |
| Applicable income taxes | $413,000 | 4,789 |
| Income before extraordinary items | $1,553,000 | 3,268 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,553,000 | 3,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,659 |
| Cash dividends | $525,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,527,720 | 3,232 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,142,000 | 3,562 |
| Total interest expense | $3,524,000 | 4,174 |
| Net interest income | $5,618,000 | 3,146 |
| Provision for loan and lease losses | $117,000 | 4,776 |
| Total noninterest income | $1,079,000 | 2,944 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $681,000 | 1,988 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $398,000 | 3,415 |
| Total noninterest expense | $4,759,000 | 2,874 |
| Salaries and employee benefits | $2,413,000 | 2,782 |
| Premises and equipment expense | $620,000 | 3,109 |
| Additional noninterest expense | $1,726,000 | 2,785 |
| Pre-tax net operating income | $1,821,000 | 3,678 |
| Securities gains (losses) | $11,000 | 2,431 |
| Applicable income taxes | $366,000 | 5,177 |
| Income before extraordinary items | $1,466,000 | 3,262 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,466,000 | 3,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,503 |
| Cash dividends | $581,000 | 3,123 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,457,200 | 3,245 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,592,000 | 4,797 |
| Total interest expense | $2,686,000 | 5,252 |
| Net interest income | $3,906,000 | 4,403 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $688,000 | 4,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $453,000 | 2,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $235,000 | 4,664 |
| Total noninterest expense | $3,245,000 | 4,019 |
| Salaries and employee benefits | $1,667,000 | 3,891 |
| Premises and equipment expense | $411,000 | 4,429 |
| Additional noninterest expense | $1,167,000 | 3,836 |
| Pre-tax net operating income | $1,289,000 | 5,000 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $233,000 | 6,914 |
| Income before extraordinary items | $1,065,000 | 4,359 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,065,000 | 4,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $391,000 | 3,958 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,057,620 | 4,379 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,793,000 | 5,029 |
| Total interest expense | $2,050,000 | 5,496 |
| Net interest income | $3,743,000 | 4,650 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $599,000 | 4,668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $389,000 | 3,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 5,108 |
| Total noninterest expense | $3,162,000 | 4,217 |
| Salaries and employee benefits | $1,608,000 | 4,022 |
| Premises and equipment expense | $426,000 | 4,353 |
| Additional noninterest expense | $1,128,000 | 4,276 |
| Pre-tax net operating income | $1,120,000 | 5,498 |
| Securities gains (losses) | $17,000 | 1,895 |
| Applicable income taxes | $250,000 | 6,534 |
| Income before extraordinary items | $887,000 | 4,971 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $887,000 | 4,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 11,591 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $873,740 | 5,079 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,641,000 | 5,217 |
| Total interest expense | $2,300,000 | 5,161 |
| Net interest income | $3,341,000 | 5,166 |
| Provision for loan and lease losses | $135,000 | 4,908 |
| Total noninterest income | $646,000 | 4,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $373,000 | 3,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $273,000 | 4,734 |
| Total noninterest expense | $3,057,000 | 4,435 |
| Salaries and employee benefits | $1,553,000 | 4,149 |
| Premises and equipment expense | $451,000 | 4,262 |
| Additional noninterest expense | $1,053,000 | 4,708 |
| Pre-tax net operating income | $795,000 | 6,837 |
| Securities gains (losses) | $168,000 | 1,872 |
| Applicable income taxes | $115,000 | 9,413 |
| Income before extraordinary items | $848,000 | 5,321 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $848,000 | 5,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 4,347 |
| Cash dividends | $1,388,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $700,160 | 5,841 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,475,000 | 5,158 |
| Total interest expense | $2,799,000 | 5,477 |
| Net interest income | $3,676,000 | 4,796 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $517,000 | 5,525 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 6,333 |
| Total noninterest expense | $2,992,000 | 4,548 |
| Salaries and employee benefits | $1,556,000 | 4,078 |
| Premises and equipment expense | $419,000 | 4,626 |
| Additional noninterest expense | $1,017,000 | 4,991 |
| Pre-tax net operating income | $1,081,000 | 5,325 |
| Securities gains (losses) | $54,000 | 3,989 |
| Applicable income taxes | $231,000 | 6,980 |
| Income before extraordinary items | $904,000 | 4,917 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $904,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 6,549 |
| Cash dividends | $254,000 | 4,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $860,800 | 4,776 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.